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Company Analysis

NI Holdings, Inc. NODK

A comprehensive view of key metrics, scores, and financial health for NI Holdings, Inc.

Overview of NI Holdings, Inc.

NODK NCM
Financial Services Insurance - Property & Casualty Micro Cap
NI Holdings, Inc. (NODK), is a Micro Cap company, in the Insurance - Property & Casualty industry, last closed at $13.23, about 9.1% overvalued vs fair value, -5.0% 1Y return, ranked 916/1004 in sector.
$13.23
2.56%
As of March 13, 2026
Previous close • Vol 90d: 20.8%
52-Week Range
Market Cap
$269.00M
Enterprise Value
$247.12M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.niholdingsinc.com
HQ Fargo, ND
Employees 202
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$7
$12
$23
Current: $13.23 -9% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Expense
$87.2M
Total Revenue
$325.2M
7%%
Operating Expense
$36.3M
23.9%%
Pre-Provision Profit
$10.1M
-50.6%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
-2.5%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
-
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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating NI Holdings, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
16
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Weak
14
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing NODK's balance between Growth (32.5%), Profitability (20.8%), and Safety (46.8%). Growth 32% Safety 47% Profitability 21%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

21th percentile vs peers
22
Key Signals
Rev Growth YoY 7.0% 35p Revenue CAGR 3Y 0.1% 13p EPS Growth YoY -11.4% 12p
Strengths

No notable strengths identified for this axis.

Risks
  • Eps Growth Yoy in bottom 20% of peers (-11.4%)

Profitability

14th percentile vs peers
14
Key Signals
Strengths
Risks
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Safety

31th percentile vs peers
32
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for NI Holdings, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$12.02
- - -
-9.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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